LASER Credit Access Insights Hub

The 30-day deadline, the 25-month retention rule, and every element FCRA and ECOA require in an adverse action notice — plus the five most common mistakes.

What CFPB 1033 (the Personal Financial Data Rights Rule) requires, where it stands after being enjoined, and what lenders should do now.

An ECOA compliance guide for lenders: the prohibited bases, adverse action, record retention, and the 2026 Regulation B rule ending disparate-impact liability.

FCRA permissible purpose is required before every credit pull. What qualifies for lenders, how to document it, and how it fits with accuracy and adverse action.

A practical GLBA compliance guide for lenders: who the FTC Safeguards Rule covers, what it requires, the 2024 breach-notification rule, and a checklist.

How sanctions screening works for lenders: what an OFAC check is, screening applicants against the SDN list, when to run it, and how to handle a match.

Synthetic identity fraud hits 61% of lenders. Here's the five-layer detection infrastructure every lender needs to stop it before it reaches your portfolio.

Credit bureau integration on Salesforce: the action plan for the interconnected credit, fraud, compliance, and vendor risks the OCC flagged for 2026.

What's the difference between a revolving and an open account? See how each works, how it affects your credit utilization and score, and why it matters.

FinCEN AML requirements demand detection before filing. Here are the 10 red flags every lender must catch, with transaction monitoring triggers for each.

KYC for lenders is evolving fast: digital onboarding, risk-based CDD, synthetic identity fraud, and 2026 regulatory pressure are reshaping compliance.

Commercial bank loans rose 5.4% in 2026. See how lenders across C&I, CRE, SBA, and residential verticals are growing with Salesforce-native loan management.

A May 2026 Executive Order sets 60-, 90-, and 180-day agency deadlines for new AML/KYC guidance and rules. See what every lender needs to assess now.

A soft pull credit report is visible to the borrower but not to other lenders. See what the FCRA actually requires — and why it matters.

An inadvertent hard credit pull creates FCRA exposure for lenders. See how to remove the inquiry, document the fix, and prevent repeats.

FHA now accepts FICO 10T and VantageScore 4.0 while keeping tri-merge reports. See what the new scoring rules mean for credit bureau integration in 2026.

Auto lending compliance in mid-2026 means record delinquencies, state enforcement, and FCRA scrutiny. See the five priorities lenders must address now.

How lenders pull Experian, TransUnion & Equifax credit reports, automate decisioning, and embed AML/KYC compliance inside their own Salesforce.

CFPB enforcement actions in 2025 signal a sharper focus — not a retreat. FCRA, Regulation V, and documentation remain in scope. See what changed for lenders.

The FCRA places strict obligations on lenders who furnish data, handle disputes, or pull credit reports. See what your compliance checklist must include.

MCA regulation is expanding state by state. Disclosure laws and registration requirements are reshaping commercial lending. See what lenders need to know.

Bad address data undermines lending workflows. See where native Salesforce falls short and how a purpose-built approach keeps data clean. Learn how.

Lending compliance challenges are intensifying in Q2 2026. See how lenders can prepare for CFPB, FTC, AI model risk, and state privacy enforcement. Learn how.

AI fraud detection for lenders is reshaping how institutions fight synthetic identity fraud and account takeovers. Discover how to strengthen your defenses.

The FTC Safeguards Rule requires a written information security program built on nine core requirements. Here's what lenders on Salesforce need to know.

Synthetic identity fraud costs lenders billions annually. Learn how KYC verification and continuous monitoring protect your lending portfolio.

Non-bank commercial lenders must comply with the FTC Safeguards Rule under GLBA. Learn the five core requirements and how to operationalize them.

California privacy law is evolving fast in 2026. See what the 'business purpose' standard now requires for lenders handling consumer financial data.

Three interconnected challenges are reshaping lending operations. Discover how integrated compliance intelligence strengthens credit decisioning.

The DOJ seized a domain used in a $28M bank account takeover scheme that used fake search ads to harvest credentials. See what lenders need to know.

TransUnion's 2026 forecast for credit card, auto & mortgage delinquency rates — plus the 7% mortgage rise to 1.65% and what it means for lenders.

Credit unions are deploying AI and collaborative fraud tools to address synthetic identity, deepfakes, and account takeover. See what's working in 2026.

Digital account opening is expanding fraud exposure for lenders. See the survey data and what layered identity verification controls now require.

How lenders use alternative credit data within FCRA rules — which sources count, what permissible purpose requires, and how adverse action still applies.

The largest data breaches of 2023–2025 revealed GLBA and FTC Safeguards Rule gaps for lenders. See what each incident means for your compliance program.

Identity fraud losses in North America hit $47 billion, driven by account takeover and new-account fraud. See what the data means for lenders.

How lenders keep embedded credit decisions transparent and documented — approval logic, adverse action, and the audit trail regulators expect.

Third-party vendor risk is a top compliance exposure for lenders. FCRA and GLBA obligations stay with your institution — not your vendors. Here's why.

KYC timing before pulling credit reports closes a critical FCRA-BSA compliance gap. Learn how lenders use sequencing to prevent synthetic identity fraud.

FICO's Mortgage Direct License Program reshapes credit scoring for lenders. See pricing, bureau impact, and what it means for your decisioning workflow.

A commercial loan does not make it a commercial credit pull. Running a personal guarantor's report triggers FCRA adverse action and ECOA duties in full.

Step-by-step guide to setting up and configuring LASER Credit Access on Salesforce — covering ACCESS, DECIDE, and COMPLY pillar configuration.

AML and KYC are mandatory for lenders under the BSA. See the CIP requirements and how Salesforce-native compliance tools streamline your program.

FinCEN's April 2026 NPRM overhauls AML/CFT compliance for financial institutions. See what the risk-based framework shift means for lenders on Salesforce.

Credit report compliance spans FCRA, GLBA, and the FTC Safeguards Rule. See why credit reports and PII are among the most regulated data categories in lending.

Where loan approval delays actually come from, which steps to automate, and how a Salesforce-native workflow keeps decisioning fast, consistent, and auditable.

Yes — lenders can run a credit check without an SSN. How bureaus match on ITIN, name, DOB and address, the accuracy limits, and the FCRA rules that apply.

What a frozen credit report means for lenders, how security freezes differ from fraud alerts and credit locks, and how to help applicants lift a freeze quickly.

How to assign credentials to a User of the LASER Credit Access App

Setting up the personal Credit Report page layout and the object you will run the credit reports from

A quick overview of LASER Credit Access functionality

Additional settings available using LASER Credit Access

How to add or remove a Co-Applicant

Get OFAC Status for Contacts and Accounts at no charge with LASER Credit Access

How to map the fields to send the credit request

Granting permission to a user to run a credit report

How to update permission sets for LASER Credit Access

How to grant login access on Salesforce

How to run a credit report that was frozen

How to update your credit card on the Salesforce AgentExchange